Workers' Compensation Insurance for Multi-Industries
A nationwide workers' compensation program designed for a broad range of industries, including contractors, manufacturers, retail operations and property management. The program combines flexible underwriting, dedicated claims support, payment options, and risk control resources to help businesses protect their workforce.
Business owners: Contact your insurance agent or broker
Insurance agents
Call a specialist now 877-740-0951
Appetite
Target classes include:
- Artisan Contractors: Plumbing, HVAC, electrical, carpentry and cabinet/trim installation, painting, flooring, drywall, masonry and stucco, concrete flatwork, insulation, sheet metal, siding, fencing, water/sewer, and general contractors
- Manufacturing: Food and beverage, metal goods and machined parts, plastics and rubber products, electrical apparatus, wood products and furniture, textiles, and light assembly
- Stores, Retail & Wholesale: Grocery, hardware, drug, convenience, and department stores; building material and plumbing supply dealers; wholesale distributors
- Building & Property Management: Property managers and leasing agents
- A&E Firms: Architects and engineers
Geography
Countrywide appetite, with the following state guidelines:
- Preferred states: AK, AR, AZ, CO, CT, DC, HI, IN, KS, KY, MD, MI, MN, MO, MT, NC, NE, NH, NM, NV, OK, SD, TN, TX, UT, VT
- Also writing: AL, CA (Northern California preferred), GA, IL, MA, MS, SC, VA, WI, WV
- Payroll restricted: DE, IA, ID, LA, ME, NJ, OR, PA, RI (eligible when these states total 25% or less of the account’s payroll)
- Not available: NY, FL, and monopolistic states (ND, OH, WA, WY)
- ACORD 130
- Relevant supplemental application
- Current experience mod worksheet
- 3 to 5 years of currently valued loss runs
- Multistate insureds covered on one policy for all eligible states
- Specialty underwriters who know complex industries
- Dedicated claims team
- Various payment options and online accounting
- Customizable risk control service based on each client’s needs
- Free online safety training: 150+ on-demand courses in English & Spanish
- GotSafety basic access
- 1,200+ safety bulletins and lessons, all free
- Admitted
- Trucking and hauling for hire, group transportation, and transportation network companies (rideshare)
- Aviation, maritime, USL&H, Jones Act, Defense Base Act, and FELA exposures
- Roofing, framing, structural steel erection, bridge and road construction, demolition, heavy excavation, rigging, and pipefitting
- Foundries, ammunition and explosives, carpet manufacturing, hazardous chemicals, nanotechnology, and diacetyl exposure
- PEOs, staffing agencies, and labor interchange arrangements
- Agricultural risks
- Accounts with tax liens or bankruptcy in the past 5 years, coverage lapses, or recent cancellations or non-renewals
- 3+ years of consecutive prior coverage and loss experience preferred
- New ventures considered, subject to additional underwriting criteria
- Minimum premium: $25,000
FAQs
The program has a countrywide appetite, subject to state-specific guidelines. Coverage is not available in New York, Florida, or the monopolistic states of North Dakota, Ohio, Washington, and Wyoming.
Yes. Eligible multistate insureds may be covered under one policy for all eligible states.
A complete submission should include an ACORD 130, the relevant supplemental application, a current experience modification worksheet, and three to five years of currently valued loss runs.
The minimum premium is $25,000.
New ventures may be considered, subject to additional underwriting criteria. Three or more years of consecutive prior coverage and loss experience are preferred.
The program offers various payment options and online accounting capabilities.
Ineligible risks include certain transportation, aviation, maritime, heavy construction, hazardous manufacturing, staffing, automotive services and agricultural exposures. Accounts may also be ineligible due to recent tax liens, bankruptcy, coverage lapses, cancellations, or non-renewals.